November was quite a tough month! For starters, Andy was gone at Air Assault school, so I had to handle things here on the homefront. Also, we had some emergencies that were rather expensive– like, almost $1,000 expensive! Thankfully, we were able to cash-flow it by using the money we had saved for our December vacation so we wouldn’t have to touch our emergency fund. Unfortunately, it means we won’t be spending a week skiing in Vermont like we had hoped! Oh well, there’s always next year!
November Income- $3,061.57
We live off last month’s income. For an explanation of why we do this, check out this post.
Andy’s November Paycheck- $3,061.57
This is Andy’s net (take-home) pay. 10% of his paycheck is automatically deducted for his TSP (retirement fund.) This post explains why my husband and I are comfortable sharing our salary information on my blog.
Nothing major happening here as far as Andy’s paycheck goes. Meh.
We believe that “our” money is not ours, but God’s, so we give a 10% tithe on Andy’s paycheck. Read our thoughts on tithing here.
We filled a shoebox for Operation Christmas Child as well as donated some goodies for stockings for single soldiers living in the barracks. I also have a sponsor child, Veronica Sarah, through Compassion International, to whom I gave a monthly donation.
Total Spent- $201.88
This includes our rent, cell phones, internet, renter’s insurance and Netflix.
These bills are pretty consistent month-to-month. Since in the civilian world you’d have to pay out of pocket for rent, we calculate that in here as well. Next month the Army should finally be deducting our rent from Andy’s paycheck so we can stop writing checks. Unfortunately, I did go over on my cell phone data usage, so I had to pay a $15 fee.
Total Spent- $1,151.26
This includes groceries, fast-food meals, household items like toilet paper, and home improvement
We went really cheap on groceries this month because Andy was gone for 18 days and I didn’t feel like cooking a ton while he was away. We spent more than normal on household goods, because Lily decided to eat a hole in the wall one morning. Oh, and the pets tag-teamed to smear Crayola marker into the carpet of my office. Sigh.
Total Spent- $270.79
This includes my dental insurance, chiropractor visits, and any over-the-counter medicines.
No medical expenses this month– hooray! I did set $65 back for a chiropractor appointment in the future whenever I feel like I need an adjustment. I had a dentist appointment that I should be getting billed for in December, so I’m a little nervous about that!
Total Spent- $0.00
Rolling over to next month- $65.00
This includes gasoline, car insurance, car repairs, AAA membership, and car taxes.
We spent less on gasoline this month than we usually do, although it was more than I originally estimated. My car needed some fluids, so we bought those. We still have $100 to repair Andy’s headlights whenever he can find the time.
Total Spent- $243.17
Rolling over to next month- $100.00
This includes new uniforms, college classes, haircuts, and everybody’s favorite– mandatory “fun” events.
Since Andy was away at Air Assault school, he needed some supplies for his packing list as well as needed to eat while he was away. The Army will reimburse us for those expenses, which we will put in our emergency fund since we cash-flowed Air Assault expenses. He also got a haircut at the end of this month. We’re still rolling over about $73 for new uniform pieces. We realized the other day that he will need to buy new uniforms at the beginning of Fiscal Year 2018 since the old patterns will be obsolete– meaning, in October 2017. He’s supposed to have 4 winter PT uniforms, 4 summer PT uniforms and 4 OCP (camoflauge) uniforms. As of right now he has 1 summer set, 1 OCP, and half of a winter PT set. Yeah, we’re not looking forward to that at all!
Total Spent- $227.48
Rolling over to next month- $72.27
This includes anything related to Bailey’s work and education.
I decided not to take the SHRM-CP exam because I don’t feel ready for it, and because we had a major emergency this month, we pulled the money I had saved for that to cover the emergency.
Total Spent- $0.00
This includes any and all Gracie and Lily-related expenses.
I bought Lily a new Gentle Leader collar, a dog-training book by Cesar Millan (for me to read, not her. Duh!), some puppy pads so she doesn’t tinkle everywhere. Oh, and we discovered the pets have fleas so we had to get them new collars and shampoo.
Total Spent- $68.42
This is for any date-night related expenses, including activities and eating out.
Since Andy was gone for the majority of the month, we only had 2 date activities. One was eating Thanksgiving lunch at the chow hall (not a real date), and the other was our annual Christmas ornament shopping in Santa Claus, Indiana.
Total Spent- $59.38
This is for Andy and Bailey’s individual fun money allowances. They each get $100 can spend them however they please or roll it over to the next month.
I went out to eat a couple of times while Andy was away, and I also bought a scrapbook on Shutterfly. Andy bought two video games.
Bailey’s Total Spent- $89.83
Bailey’s Rolling over to next month- $10.17
Andy’s Total Spent- $74.99
Andy’s Rolling over to next month- $28.28
Like most military families, we’re on the move every 2-4 years, so we try to save in advance for these moves.
We’re not planning to PCS for another year and a half, so we will start saving money in 6-8 months.
Total Spent- $0.00
We’re hoping to go on vacation soon (no clue when), so we wanted to start saving towards it now.
Ha! We had hoped to go on vacation at the beginning of December, but our major emergency put those plans to rest. We withdrew all of the money (minus $220) for the emergency. The rest will be used for one night out of town.
Rolling over- $220.00
Long story short, we had to buy a new mattress and box springs because we couldn’t keep our old ones anymore. It was a major crisis.
Total spent- $930.68
We’re working to pay off our debts, so I decided to list these with more detail than our other budget categories.
Discover Card- $70.00
This is for the minimum payment on my Discover card. It went down $30 since last month!
Student Loan- $72.54
This is for the minimum payment on my student loans.
Personal (Wedding) Loan- $230.39
This is for the minimum payment on my personal loan, which we used for the wedding.
Debt Snowball- $56.00
This is for any payments above our minimum payments.
We allotted $56 extra towards debt repayment on our Discover card. It’s not much, but it’s something! We’re hoping to pay off our Discover card by our first anniversary.
Total Spent- $428.93
Andy and I keep a $1,000 emergency fund in our savings account to cover any major unexpected expenses that we can’t cash-flow in our monthly budget.
We got a 21 cent dividend for our account. After our mattress emergency this month and a possible PCS on the horizon, I started to feel uncomfortable with only $1,000 in savings so I suggested we up this amount to $2,000-$2,500. Any extra money we have for the next few months (TDY pay, tax returns, spending less than we budgeted for) will go to our emergency fund.
Rolling over for future- $1,000.42